Kentucky Debt Collection Laws and Statutes

Below you will find important information on Kentucky state debt recovery laws including: Kentucky Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: KENTUCKY

Interest Rate

  • Legal: 8%
  • Judgment: 12%

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 5
  • Written Contract: 15
  • Oral Contract: 5
  • Domestic Judgment: 15
  • Foreign Judgment: 15
  • Sale of Goods: 4
  • Promissory Notes: 6

BAD CHECK LAWS (CIVIL PENALTY)

N/A

GENERAL GARNISHMENT EXEMPTIONS

75% of disposable income or 30 x fed. min. hourly wage, whichever is greater.

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